No excuses, you don’t need a 401(k)or employer to match

After paying rent and maybe student loans, finding the money to save for retirement might seem like an impossible task. In a 2017 survey from GOBankingRates, more than 60% of millennials reported having less than $1,000 in a savings account, and 46% of res­pondents ages 18 to 24 said they had nothing saved. But time is the most valuable resource you have, and you happen to have a lot of it right now.